US11563583B2ActiveUtilityA1

Systems and methods for content management using contactless cards

91
Assignee: CAPITAL ONE SERVICES LLCPriority: Oct 2, 2018Filed: Feb 24, 2022Granted: Jan 24, 2023
Est. expiryOct 2, 2038(~12.2 yrs left)· nominal 20-yr term from priority
G06Q 2220/00G06Q 30/0237G06Q 30/0226H04L 9/14G06Q 20/354H04L 9/0877G06Q 30/0277H04L 9/3234G06Q 20/3674G06Q 20/352G06F 21/44G06Q 20/306H04L 9/0897G06Q 20/401H04L 9/3242H04L 9/0869G06Q 20/3829H04L 2209/80
91
PatentIndex Score
1
Cited by
648
References
20
Claims

Abstract

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
       1. A contactless card, comprising:
 a memory containing a key; 
 a communication interface; and 
 a processor in communication with the memory and communication interface, 
 wherein, after entry into a communication field, the contactless card:
 creates a cryptogram using the key, and 
 transmits the cryptogram for decryption to enable the removal of a requirement to present an advertisement prior to accessing a functionality. 
 
 
     
     
       2. The contactless card of  claim 1 , wherein transmission of the cryptogram for decryption further enables the removal of a request for payment information. 
     
     
       3. The contactless card of  claim 1 , wherein the functionality comprises at least one selected from the group of a music streaming service and a video streaming service. 
     
     
       4. The contactless card of  claim 1 , wherein the functionality comprises at least one selected from the group of an online magazine and an online newspaper. 
     
     
       5. The contactless card of  claim 1 , wherein the functionality comprises a software module associated with additional functions. 
     
     
       6. The contactless card of  claim 1 , wherein:
 the functionality comprises a benefit based on criteria, and 
 the criteria is associated with membership to at least one selected from the group of a club, a group, a loyalty program, an institution, and a qualifying list. 
 
     
     
       7. The contactless card of  claim 6 , wherein the qualifying list is based on a transaction on an account associated with the contactless card. 
     
     
       8. The contactless card of  claim 7 , wherein the transaction comprises at least one selected from the group of a purchase of an item, a purchase from a merchant, and a spend amount in excess of a threshold in a predetermined time period. 
     
     
       9. The contactless card of  claim 6 , wherein the benefit comprises at least one selected from the group of access to a member-only event, a discount, an offer, and an advance purchase windows. 
     
     
       10. The contactless card of  claim 6 , wherein the benefit comprises at least one selected from the group of cancellation of a purchase and rescheduling of a purchase. 
     
     
       11. A method, comprising:
 creating, by a contactless card comprising a processor, a memory containing a key, and a communication interface a cryptogram using the key; and 
 transmitting, by the contactless card after entry into a communication field, the cryptogram for decryption to enable the removal of a requirement to view an advertisement prior to accessing a functionality. 
 
     
     
       12. The method of  claim 11 , further comprising:
 receiving, by an application comprising instructions for execution on a receiving device, the receiving device comprising a processor and a memory, the cryptogram; and 
 enabling, by the application after a successful decryption of the transmission data, the removal of the requirement to present an advertisement prior to accessing a functionality. 
 
     
     
       13. The method of  claim 12 , wherein:
 the memory of the receiving device stores an application key, and 
 the method further comprises, prior to enabling, by the application, the removal of the requirement to present an advertisement prior to accessing a functionality, decrypting, by the application, the cryptogram encrypted transmission data using a cryptographic algorithm and the application key. 
 
     
     
       14. The method of  claim 12 , further comprising:
 receiving, by the contactless card, information associated with the functionality from the application; and 
 updating, by the contactless card, a record contained in the memory of the contactless card with the information. 
 
     
     
       15. The method of  claim 14 , wherein the information comprises at least one selected from the group of a coupon, a random reward, and confirmation information relating to the functionality. 
     
     
       16. A system, comprising:
 a contactless card comprising a processor and a memory, the memory of the contactless card containing a key; and 
 an application an application comprising instructions for execution on a receiving device having a processor and a memory, 
 wherein, after entry into a communication field, the contactless card:
 creates a cryptogram using the key, and 
 transmits the cryptogram to the application, and 
 
 wherein the application enables the removal of a requirement to present an advertisement prior to accessing a functionality. 
 
     
     
       17. The system of  claim 16 , wherein:
 the memory of the receiving device contains an application key, and 
 the application:
 decrypts the cryptogram using a cryptographic algorithm and the application key, and 
 provides access to the functionality. 
 
 
     
     
       18. The system of  claim 16 , wherein the application enables the removal of the requirement to present an advertisement prior to accessing a functionality after a successful decryption of the cryptogram. 
     
     
       19. The system of  claim 16 , wherein the functionality comprises media content associated with at least one selected from the group of at least a portion of a movie, filming of the at least a portion of the movie, and a television series. 
     
     
       20. The system of  claim 19 , wherein the receiving device is located at a physical location associated with the media content.

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